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brett is in columbia south carolina hi brett welcome to the dave ramsey show hey dave hey rachel hey whats up uh well first off i just wanted to uh congratulate kurt and julieta on getting debt-free thats awesome i cant wait to be there very cool i joined in july uh im on baby step two now uh weve already paid seven uh 7 300 out of the 53 500 that we owe great job on our debt yeah and uh were in the process of getting our house refinanced for a 15-year 2.6 interest uh mortgage so were hoping to have our house paid off uh by 20 30. great yeah um but uh anyway so my question for you today is um me and my wife weve been working the baby steps like i said were on baby step two but weve come to a point now where uh weve got kind of a fork in the road its uh uh basically were looking at our cell phone bill and were wondering if we should go ahead and pay off our cell phones um to lower our bill from about 260 a month to 195 or if we should take the 680 dollars that its going t